Punjab National Bank (NSE:PNB)

Punjab National Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	895,469	1,240,099	1,090,646	868,453	762,418
Interest Income on Investments	412,252	-	-	-	-
Total Interest Income	1,307,721	1,240,099	1,090,646	868,453	762,418
Interest Paid on Deposits	880,694	807,038	685,342	518,170	468,231
Net Interest Income	427,027	433,060	405,304	350,283	294,188
Net Interest Income Growth (YoY)	-1.39%	6.85%	15.71%	19.07%	-5.50%
Gain (Loss) on Sale of Assets	0.72	40.7	66.6	25.8	144
Gain (Loss) on Sale of Investments	83.35	40,509	6,149	-10,129	26,693
Other Non-Interest Income	186,828	123,920	127,079	132,499	94,139
Total Non-Interest Income	186,912	164,470	133,294	122,396	120,977
Non-Interest Income Growth (YoY)	13.64%	23.39%	8.90%	1.17%	-1.12%
Revenues Before Loan Losses	613,939	597,530	538,599	472,679	415,164
Provision for Loan Losses	24,833	97,629	117,192	198,629	173,497
Revenue	589,106	499,901	421,407	274,050	241,667
Revenue Growth (YoY)	17.84%	18.63%	53.77%	13.40%	6.61%
Salaries and Employee Benefits	189,923	215,487	186,432	149,426	119,719
Occupancy Expenses	-	32,463	30,557	30,260	27,612
Selling, General & Administrative	-	8,287	8,196	7,838	7,407
Other Non-Interest Expense	128,367	69,268	62,905	55,833	50,170
Total Non-Interest Expense	304,580	314,375	279,807	240,462	202,591
EBT Excluding Unusual Items	284,526	185,526	141,600	33,588	39,076
Pretax Income	284,526	185,526	141,600	33,588	39,076
Income Tax Expense	99,859	-	50,028	-	-
Earnings From Continuing Operations	184,667	185,526	91,572	33,588	39,076
Minority Interest in Earnings	-740.1	-723.2	-499.5	-103.3	-468.5
Net Income	183,927	184,803	91,072	33,485	38,607
Net Income to Common	183,927	184,803	91,072	33,485	38,607
Net Income Growth	-0.47%	102.92%	171.98%	-13.27%	50.69%
Basic Shares Outstanding	11,495	11,257	11,011	11,011	10,947
Diluted Shares Outstanding	11,495	11,257	11,011	11,011	10,947
Shares Change (YoY)	2.12%	2.23%	-	0.59%	12.78%
EPS (Basic)	16.00	16.42	8.27	3.04	3.53
EPS (Diluted)	16.00	16.42	8.27	3.04	3.53
EPS Growth	-2.54%	98.49%	172.07%	-13.80%	33.61%
Dividend Per Share	3.000	2.900	1.500	0.650	0.640
Dividend Growth	3.45%	93.33%	130.77%	1.56%	-
Effective Tax Rate	35.10%	-	35.33%	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.